Specialty Finance Solutions

Strengthening communities through financial partnerships

U.S. Bancorp Impact Finance partners with Community Development Financial Institutions (CDFIs) and Low-Income Housing Tax Credit (LIHTC) syndicators across the nation. We work together to fund projects and direct capital where it is needed most: on the ground in underserved communities.

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Leading the path to progress.

We are one of the largest national lenders to CDFI loan funds and intermediaries, supporting them with solutions that increase the availability of capital in low- and moderate-income communities.

We are the largest national lender to LIHTC syndicators. Our financing to LIHTC syndicators helps increase the availability of affordable housing, building a foundation of financial stability for individuals and families nationwide.

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Specialty financing solutions designed to make an impact

We are proud to provide specialty finance solutions that help increase affordable housing, fund small businesses and uplift communities.

Loans to fund change

We offer floating-rate revolving lines of credit and fixed-rate term loans to CDFIs, CDFI consortiums and LIHTC syndicators. We also provide bridge loans and source loans to New Markets Tax Credit sponsors.

Patient/long-term capital.

Maximizing social impact and combating poverty takes time. Patient capital is a necessity. We provide this long-term capital to a variety of organizations and institutions, emphasizing those whose leaders are Black, indigenous and people of color (BIPOC).

Private equity/SBIC investments

We make investments into limited partnership funds managed by CDFIs using the pooled capital for qualifying public welfare investments. These investments target low-to-moderate income communities and usually focus on housing or small business. This effort is part of the Impact Capital commitment within the bank’s Community Benefits Plan.

Full-suite solutions

CDFIs, LIHTC syndicators and New Markets Tax Credit sponsors have distinct requirements and needs that our specialists can meet. These include solutions in areas such as capital markets, commercial paper, bond issuance, and deposits and cash management.

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Why we’re committed to supporting CDFIs

Community Development Financial Institutions play a crucial role in serving vulnerable communities. They offer small businesses, including those under minority ownership, access to the credit they need. But it’s not just about credit: CDFIs also provide business owners with training, technical assistance and mentoring.

We are committed to deepening our CDFI partnerships to help CDFIs grow, achieve the scale needed to reduce costs to their borrowers, and expand their reach. Our support of CDFIs is part of our commitment to addressing long-running shortcomings in credit access and economic inclusion.

Specialty financing solutions FAQ

Photo of Bill Williams, who is the founder of KMW Communities. In the photo he is wearing a polo shirt and sunglasses.

U.S. Bank expands collaboration with CDFIs to invest in developers of color

Showing a continuing commitment to supporting developers of color, U.S. Bank awarded $300,000 in grants to five Black-led CDFIs that work with Black affordable housing developers. The grants help Black developers gain access to capital and get their projects off the ground.

Read about the grants to CDFIs

Let’s make a difference together.

We are one of the largest national lenders to CDFI loan funds and intermediaries, supporting them with solutions that increase the availability of capital in low- and moderate-income communities.

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Disclosures

Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

Equal Housing Lender

Deposit products are offered by U.S. Bank National Association. Member FDIC. All credit products offered by U.S. Bank National Association are subject to normal credit approval and program guidelines. Eligibility requirements, other fees and conditions may apply. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

Financing maximums and terms are determined by borrower qualifications and use of funds. For deferred payments, interest accrues and is amortized over the remaining balance and term.